Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14231569
Complaint Overview
Complaint ID: 14231569
Company: Mohela
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Tennessee
ZIP Code: 374XX
Date Received: 2025-06-21T12:00:00-05:00
Date Sent to Company: 2025-06-21T12:00:00-05:00
Company Response: Untimely response
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Dispute Regarding MOHELA Student Loan Reporting and Credit Score Impact On XX/XX/year>, I experienced a XXXX drop in my credit score due to negative reporting by MOHELA related to my student loan. Prior to this report, I received no notice or communication from MOHELA indicating a missed payment, potential delinquency, or upcoming derogatory reporting. Under 15 U.S. Code 1681i ( Section 611 ( a ) ( 1 ) ( A ) ), furnishers like MOHELA are required to follow reasonable procedures to ensure the maximum possible accuracy of the information before reporting it. MOHELAs failure to notify me or verify the accuracy of the status directly conflicts with these legal obligations. MOHELA is currently under intensive legal scrutiny for multiple consumer protection violations. In Maldonado v. MOHELA, the XXXX XXXX XXXX California recently denied MOHELAs motion to dismiss a class-action accusing them of failing to implement federal loan discharges and continuing to report debts after borrower obligations were officially discharged Additionally, the XXXX XXXX XXXX XXXX has filed a lawsuit alleging that MOHELA engaged in illegal billing practices, failure to provide timely notices, call deflection tactics that obstruct borrowers, and unauthorized account actions These wider patterns of misconduct lend weight to my dispute. My particular experience reflects the same disregard for legal obligationsnegative credit reporting without any verifiable basis or notice imposed without due process. I am about to begin classes at the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX on XX/XX/year>, and this undue credit damage threatens my access to financial aid, housing, and other essential resources. This makes swift correction all the more critical.
Frequently Asked Questions
What is Complaint #14231569 about?
Complaint #14231569 was filed against Mohela regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-06-21T12:00:00-05:00.
How did Mohela respond to this complaint?
The company responded with: "Untimely response". The response was not timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Mohela?
Yes, visit the Mohela company profile at readthecomplaint.com/company/mohela to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.